US · BFH
Bread Financial Holdings, Inc.
- Sector
- Financial Services · Financial - Credit Services
- Headquarters
- Columbus, OH 43219
- Website
- breadfinancial.com
Price · as of 2025-12-31
$85.34
Market cap 3.23B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $99.02 | +16.03% |
| Intrinsic Value(DCF) | $67.77 | -20.59% |
| Graham-Dodd Method(GD) | $103.63 | +21.43% |
| Graham Formula(GF) | $71.73 | -15.95% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $84.47 | $94.34 | $170.52 | $5.98 | $131.49 |
| 2012 | $108.49 | $140.51 | $231.71 | $17.77 | $188.19 |
| 2013 | $197.79 | $154.07 | $107.92 | $32.55 | $261.47 |
| 2014 | $195.30 | $160.88 | $112.03 | $18.84 | $268.76 |
| 2015 | $145.43 | $178.08 | $124.27 | $19.04 | $275.60 |
| 2016 | $171.41 | $190.17 | $113.30 | $0.00 | $162.49 |
| 2017 | $166.66 | $225.09 | $16.36 | $3.34 | $0.00 |
| 2018 | $117.27 | $217.14 | $25.74 | $78.59 | $203.04 |
| 2019 | $52.28 | $148.01 | $30.90 | $2.25 | $0.00 |
| 2020 | $80.75 | $147.48 | $0.00 | $21.82 | $30.41 |
| 2021 | $51.32 | $176.96 | $5.35 | $97.12 | $118.70 |
| 2022 | $32.94 | $95.85 | $11.74 | $42.10 | $180.82 |
| 2023 | $37.73 | $99.14 | $1,135.71 | $105.30 | $370.97 |
| 2024 | $47.99 | $85.23 | $156.05 | $63.65 | $6.94 |
| 2025 | $71.99 | $99.02 | $66.16 | $103.63 | $71.73 |
AI valuation
Our deep-learning model estimates Bread Financial Holdings, Inc.'s (BFH) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $99.02
- Current price
- $85.34
- AI upside
- +16.03%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$67.77
-20.59% upside
Graham-Dodd
$103.63
+21.43% upside
Graham Formula
$71.73
-15.95% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| BFH | Bread Financial Holdings,… | $85.34 | 3.23B | +16% | -21% | +21% | -16% | 6.24 | 0.97 | 0.69 | 5.55 | 6.29 | 1.24 | 63.33% | 13.07% | 11.02% | 16.24% | 11.82% | 2.27% | 1.32 | 0.72 | 0.27 | 0.27 | 1.14 | 9927.00% | -206.00% | 1253.00% | 64.72% | 0.14 | 47.37% | 1.30% | 8.10% | 48.63% | 6.27 | 1.84 | 0.82 | -0.08 |
| BHF | Brighthouse Financial, In… | $59.98 | 3.43B | +104% | -60% | +116% | +512% | 7.91 | 0.51 | 0.55 | 1.91 | 31.91 | 0.51 | 70.94% | 7.63% | 6.97% | 7.38% | 11.52% | 0.18% | 0.47 | 3.12 | — | — | -3.57 | 2478.00% | 4216.00% | -6483.00% | -2.98% | — | -2.68% | 2.98% | 23.60% | 15.94% | 2.52 | -11.69 | 0.19 | 0.07 |
| ENVA | Enova International, Inc. | $139.05 | 3.44B | +195% | +268% | -24% | +132% | 11.37 | 2.62 | 1.11 | 15.09 | 20.35 | 3.33 | 50.13% | 23.46% | 9.78% | 24.34% | 10.78% | 5.26% | 3.41 | 4.36 | 0.23 | 18.26 | 8.48 | 5585.00% | 1858.00% | 1851.00% | 50.55% | 5.95 | 33.60% | 0.00% | 0.00% | 0.00% | 10.81 | 4.51 | 2.54 | 1.67 |
| ETOR | eToro Group Ltd. | $30.67 | 2.57B | +165% | -28% | -3% | — | 11.87 | 1.84 | 2.83 | 5.21 | — | 1.90 | 92.99% | 27.97% | 23.81% | 19.37% | -17.07% | 14.46% | 0.07 | — | 217.88 | 217.88 | -3.64 | -7409.00% | -9282.00% | -320.00% | 10.06% | 43.91 | -20.39% | 0.00% | 0.00% | 2.33% | 5.48 | 5.39 | 1.53 | 5.85 |
| KMPR | Kemper Corporation | $32.32 | 1.9B | -18% | -60% | -52% | -17% | 14.05 | 0.75 | 0.42 | 10.35 | — | 2.60 | 29.68% | 3.35% | 2.99% | 5.24% | 4.05% | 1.14% | 0.35 | 4.17 | — | — | 2.99 | -5336.00% | 362.00% | 6800.00% | 27.51% | — | 16.92% | 3.95% | 55.50% | 44.20% | 17.62 | 5.11 | 0.59 | 0.79 |
| NMIH | NMI Holdings, Inc. | $39.31 | 3.02B | +898% | +3,601% | +49% | +106% | 7.91 | 1.19 | 4.36 | 6.53 | 71.51 | 1.19 | 91.83% | 70.84% | 55.12% | 16.17% | 14.03% | 10.82% | 0.16 | 17.55 | 0.00 | 0.00 | 0.71 | 1106.00% | 839.00% | 668.00% | 13.41% | 0.00 | 14.88% | 0.00% | 0.00% | 3.42% | 6.90 | 8.36 | 4.89 | -123.67 |
| TBBK | The Bancorp, Inc. | $52.49 | 2.42B | -12% | -12% | -24% | -48% | 10.86 | 3.59 | 3.59 | 4.03 | 73.93 | 3.59 | 74.26% | 43.89% | 33.05% | 30.85% | -166.02% | 2.52% | 0.61 | — | 8.66 | 8.66 | 1.37 | 1469.00% | -277.00% | 1583.00% | 10.41% | 1.33 | -187.63% | 0.00% | 0.00% | 15.27% | 4.03 | 4.73 | 1.77 | 0.55 |
| WSBC | WesBanco, Inc. | $34.87 | 3.35B | -13% | +150% | -55% | +55% | 12.87 | 0.70 | 2.06 | 13.18 | — | 1.17 | 61.31% | 19.53% | 15.99% | 5.69% | 6.11% | 0.83% | 0.53 | 0.53 | 0.06 | 0.06 | 4.51 | -996.00% | 1488.00% | 3668.00% | 10.29% | 0.01 | 8.09% | 5.00% | 64.40% | 17.12% | 14.26 | 13.16 | 2.79 | -0.62 |
| WSFS | WSFS Financial Corporatio… | $63.51 | 3.47B | -25% | -15% | -7% | -56% | 12.29 | 1.29 | 2.60 | 6.07 | 79.72 | 2.01 | 74.70% | 28.01% | 21.14% | 10.81% | 16.54% | 1.36% | 0.11 | 1.30 | 0.08 | 0.08 | -2.51 | 1542.00% | -305.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 7.19% | 6.50 | — | 1.82 | -0.68 |
| WU | The Western Union Company | $9.63 | 3.06B | +183% | -48% | — | -32% | 6.25 | 3.26 | 0.77 | 2.02 | — | -2.09 | 28.70% | 19.41% | 12.36% | 51.86% | 53.28% | 5.99% | 0.00 | 5.48 | 16.52 | 16.52 | -1.32 | -4416.00% | -401.00% | 651.00% | 12.58% | 7.28 | 33.43% | 9.90% | 61.80% | 110.05% | 2.41 | 4.81 | 0.47 | 1.22 |
About Bread Financial Holdings, Inc.
Bread Financial Holdings, Inc. provides tech-forward payment and lending solutions to customers and consumer-based industries in North America. It offers credit card and other loans financing services, including risk management solutions, account origination, and funding services for approximately 130 private label and co-brand credit card programs, as well as through Bread partnerships to approximately 500 small-and medium-sized businesses merchants; and Comenity-branded general purpose cash-back credit. The company also manages and services the loans it originates for private label, co-brand, and general-purpose credit card programs and Bread BNPL (installment loans, split-pay) products; and provides marketing, and data and analytics services. In addition, it offers an enhanced digital suite that includes a unified software development kit, which provides access to its suite of products, as well as promotes credit payment options earlier in the shopping experience. Further, the company through Bread, a digital payments platform and robust suite of application programming interfaces allows merchants and partners to integrate online point-of-sale financing and other digital payment products, including installment and split-pay solutions. The company was formerly known as Alliance Data Systems Corporation and changed its name to Bread Financial Holdings, Inc. in March 2022. Bread Financial Holdings, Inc. was founded in 1996 and is headquartered in Columbus, Ohio.
- CEO
- Ralph J. Andretta
- Employees
- 6K
- Beta
- 1.24
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($67.77 ÷ $85.34) − 1 = -20.59% (DCF, example).